Bank suspended receipt and payment system and receipt and payment method with same claim right

Abstract

The invention discloses a bank suspended receipt and payment system with the same claim right. The system comprises suspended receipt and payment, suspended payment, suspended collection, solution payment, return, suspended insurance money, suspended deposit money and suspended deposit money. During suspended receipt and payment: in transaction settlement, after the payer completes payment, a commercial bank provides a storage guarantee service for the paid item. The bank suspended receipt and payment system and receipt and payment method with the same claim right guarantee safe and reliable fund settlement and promote active and ordered production and consumption. At present, market transaction subjects need to control settlement risks, and hope to have a certain new technology to solve inherent pains and difficulties in transactions, especially credit sales transactions, and uncertainty of fund settlement. The suspended receipt and payment provides real funds for settlement, meanwhile, payers and payees are endowed with the same negotiation claim right for subsequent round-trip accounts of the funds, and various requirements of receipt and payment parties on transaction agreement, transaction change and settlement safety can be met.

Description

technical field [0001] The invention relates to the technical field of network payment, in particular to a bank suspension payment system and payment method with equal claim rights. Background technique [0002] "Payment" is the repayment of creditor's rights and debts, and the one-way completion of fund transfer. At present, the "payment" method is generally used in the fund settlement around transactions at home and abroad. In payment and settlement, considering the settlement demands of the seller or the payee, according to different transaction scenarios, the payment and settlement services that commercial banks can provide mainly include the following types: [0003] 1. Entrusted collection: entrusted collection is a settlement method in which the payee entrusts the bank to collect money from the payer; [0004] 2. Acceptance by collection: acceptance by collection is a settlement method in which the payee entrusts the bank to collect the payment from the payer in ano...

AI Technical Summary

Problems solved by technology

[0019] In view of the above problems, the purpose of the present invention is to provide a bank suspension payment system and payment method with the same claim rights, which solves the fund transfer caused by the existing payment technology, and is only completed by the payer according to the unilateral will of one-way operation , the process is irreversible and changeable, and the payee cannot express his claim, resulting in the lack of trust and security guarantee for the settlement funds between the two parties in the transaction, which in turn affects the willingness to trade, the efficiency of the transaction and the success of the transaction